The refusal of the insurance company to pay the amount for damage in a road traffic accident is a rather frequent phenomenon today. Not all car owners know what to do in such a situation. Although there are not so few ways to get the funds owed.
Instructions
Step 1
Carefully re-read your contract with the insurance company, it should contain the terms when you are obliged to pay damages. Experts say that a week or two delays from that date are normal practice. This is due to the fact that the payment of the sum insured is accompanied by many bureaucratic delays. If this period is exceeded, you need to act.
Step 2
File a complaint simultaneously with two supervising insurers of the body - the Federal Insurance Supervision Service (FSIS) and the Russian Union of Auto Insurers (RSA). However, such measures do not always help. Often, car owners have to deal with a situation when the inspection body listens to the insurance company and, in response to the complaint, unsubscribes with a simple phrase: "No violations have been identified."
Step 3
If you received a similar response from the regulatory organizations, try to influence directly the insurance company. To do this, make a pre-trial claim. Your task with its help is to get an answer for what reason the payment is delayed and to find out the terms of the money transfer. Be sure to ask for an answer in writing so that you can appeal with documents, not empty promises.
Step 4
So that your claim does not get lost in the huge mass of correspondence that is intended for the insurance company, send it either by registered mail with acknowledgment of receipt, or by yourself or with the help of a courier, deliver it to the secretary with a note of receipt.
Step 5
If all these measures did not work, and the promises to transfer money to you remain promises, feel free to go to court. Attach a list of documents that you have already sent to various authorities in an attempt to receive your insurance payments to your statement of claim. Find witnesses who will confirm that all the deadlines have long passed, and the obligations on the part of the insurers have not been fulfilled.
